ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is S&T Bancorp, Inc. ?
1
High Profitability with a Net Interest Margin of 3.11%
2
Flat results in Dec 25
- OPERATING CASH FLOW(Y) Lowest at USD 97.46 MM
- GROSS NPA (%)(Q) Highest at 0.69%
3
With ROA of 0.88%, it has a fair valuation with a 1.00 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 3.33%, its profits have fallen by -3.8%
4
High Institutional Holdings at 73.98%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
5
Underperformed the market in the last 1 year
- The stock has generated a return of 3.33% in the last 1 year, much lower than market (S&P 500) returns of 17.78%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to S&T Bancorp, Inc. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is S&T Bancorp, Inc. for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
S&T Bancorp, Inc.
3.33%
1.22
27.05%
S&P 500
17.78%
0.92
19.35%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
10.02%
EBIT Growth (5y)
24.11%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
39.57%
Pledged Shares
0
Institutional Holding
73.98%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
11
Industry P/E
Price to Book Value
1.00
EV to EBIT
8.49
EV to EBITDA
8.49
EV to Capital Employed
1.00
EV to Sales
2.72
PEG Ratio
NA
Dividend Yield
2.88%
ROCE (Latest)
11.76%
ROE (Latest)
9.06%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Bullish
Mildly Bearish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend6What is working for the Company
NII(Q)
Highest at USD 90.96 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
CASH AND EQV(HY)
Highest at USD 237.41 MM
-4What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 97.46 MM
GROSS NPA (%)
(Q
Here's what is working for S&T Bancorp, Inc.
NII
Highest at USD 90.96 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Dividend per share
Highest at USD 0 and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Cash and Eqv
Highest at USD 237.41 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Here's what is not working for S&T Bancorp, Inc.
Non Performing Loans (%)
Highest at 0.69%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
Operating Cash Flow
Lowest at USD 97.46 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
Capital Adequacy Ratio
Lowest at 14.62%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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